Prosecution Insights
Last updated: October 02, 2026
Application No. 18/521,274

SYSTEM, METHOD, AND COMPUTER-ACCESSIBLE MEDIUM FOR BLOCKING MALICIOUS EMV TRANSACTIONS

Non-Final OA §103
Filed
Nov 28, 2023
Priority
Oct 15, 2019 — continuation of 10/755,262 +2 more
Examiner
HESS, DANIEL A
Art Unit
2876
Tech Center
2800 — Semiconductors & Electrical Systems
Assignee
Capital One Services LLC
OA Round
2 (Non-Final)
80%
Grant Probability
Favorable
2-3
OA Rounds
0m
Est. Remaining
88%
With Interview

Examiner Intelligence

Grants 80% — above average
80%
Career Allowance Rate
1011 granted / 1260 resolved
+12.2% vs TC avg
Moderate +8% lift
Without
With
+7.5%
Interview Lift
resolved cases with interview
Typical timeline
2y 3m
Avg Prosecution
28 currently pending
Career history
1275
Total Applications
across all art units

Statute-Specific Performance

§101
1.8%
-38.2% vs TC avg
§103
56.9%
+16.9% vs TC avg
§102
18.8%
-21.2% vs TC avg
§112
10.6%
-29.4% vs TC avg
Black line = Tech Center average estimate • Based on career data from 1260 resolved cases

Office Action

§103
DETAILED ACTION Notice of Pre-AIA or AIA Status The present application, filed on or after March 16, 2013, is being examined under the first inventor to file provisions of the AIA . New Rejection Applied The indication of allowability is withdrawn and a rejection is made below based on prior art that has just come to the examiner’s attention, partly as a result of the recent information disclosure. Claim Rejections - 35 USC § 103 The following is a quotation of 35 U.S.C. 103 which forms the basis for all obviousness rejections set forth in this Office action: A patent for a claimed invention may not be obtained, notwithstanding that the claimed invention is not identically disclosed as set forth in section 102, if the differences between the claimed invention and the prior art are such that the claimed invention as a whole would have been obvious before the effective filing date of the claimed invention to a person having ordinary skill in the art to which the claimed invention pertains. Patentability shall not be negated by the manner in which the invention was made. The factual inquiries for establishing a background for determining obviousness under 35 U.S.C. 103 are summarized as follows: 1. Determining the scope and contents of the prior art. 2. Ascertaining the differences between the prior art and the claims at issue. 3. Resolving the level of ordinary skill in the pertinent art. 4. Considering objective evidence present in the application indicating obviousness or nonobviousness. This application currently names joint inventors. In considering patentability of the claims the examiner presumes that the subject matter of the various claims was commonly owned as of the effective filing date of the claimed invention(s) absent any evidence to the contrary. Applicant is advised of the obligation under 37 CFR 1.56 to point out the inventor and effective filing dates of each claim that was not commonly owned as of the effective filing date of the later invention in order for the examiner to consider the applicability of 35 U.S.C. 102(b)(2)(C) for any potential 35 U.S.C. 102(a)(2) prior art against the later invention. Claims 21 are rejected under 35 U.S.C. 103 as being unpatentable over the GitHub articles “Launching the application when a NFC tag is scanned” dated January 31st, 2013 and the GitHub article “PhoneGap NFC Plugin” which is copyright 2011-2020 by Chariot Solutions. Re claim 21: The following are excerpts from the first article: PNG media_image1.png 736 755 media_image1.png Greyscale The comment continues: PNG media_image2.png 865 756 media_image2.png Greyscale And the following is an excerpt from the second article: PNG media_image3.png 467 884 media_image3.png Greyscale These excerpts, taken together, illustrate claim 21 of the instant invention quite well. An NFC tag (which can take the form of a contactless card or even be broadly be considered a contactless card since it is usually flat) can be queried by a portable user device (the whole discussion relates to apps on android devices such as a smartphone). Parameters/data is read from the card/tag and from there an application can be launched, and actions can be performed based on the data that is on the tag. Re claims 22-40: See discussions re claim 21 above. The matter of launching additional applications is mere replication of parts in view of what is shown in the above excerpts. In other words, if you can launch one application based on proximity to a contactless card, you can launch any number of applications. As far as timing, delays and ordering of application launches, those are simple to program if there is the functionality to launch applications based on proximity to a tag. It is obvious to use delays and timing measures so that multiple applications do not compete for a user’s attention. Regarding restricting use to one particular application, using this API, application calls can be made to just particular applications and not others. As for secure communications, that would be standard for many kinds of uses, including in the case of banking applications. In such a case, a secure encrypted channel would be established first, before communications proceed. Conclusion Any inquiry concerning this communication or earlier communications from the examiner should be directed to DANIEL A HESS whose telephone number is (571)272-2392. The examiner can normally be reached Monday through Friday, from 9 AM to 5 PM. Examiner interviews are available via telephone, in-person, and video conferencing using a USPTO supplied web-based collaboration tool. To schedule an interview, applicant is encouraged to use the USPTO Automated Interview Request (AIR) at http://www.uspto.gov/interviewpractice. If attempts to reach the examiner by telephone are unsuccessful, the examiner’s supervisor, Thomas K. Pham can be reached at (571)272-3689. The fax phone number for the organization where this application or proceeding is assigned is 571-273-8300. Information regarding the status of published or unpublished applications may be obtained from Patent Center. Unpublished application information in Patent Center is available to registered users. To file and manage patent submissions in Patent Center, visit: https://patentcenter.uspto.gov. Visit https://www.uspto.gov/patents/apply/patent-center for more information about Patent Center and https://www.uspto.gov/patents/docx for information about filing in DOCX format. For additional questions, contact the Electronic Business Center (EBC) at 866-217-9197 (toll-free). If you would like assistance from a USPTO Customer Service Representative, call 800-786-9199 (IN USA OR CANADA) or 571-272-1000. /DANIEL A HESS/Primary Examiner, Art Unit 2876
Read full office action

Prosecution Timeline

Nov 28, 2023
Application Filed
Nov 28, 2023
Response after Non-Final Action
Jul 14, 2025
Non-Final Rejection mailed — §103
Oct 14, 2025
Response Filed
Jan 28, 2026
Response after Non-Final Action
Jun 15, 2026
Request for Continued Examination
Jun 22, 2026
Response after Non-Final Action
Aug 28, 2026
Non-Final Rejection mailed — §103 (current)

Precedent Cases

Applications granted by this same examiner with similar technology

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SYSTEMS AND METHODS FOR USING DISPLAY-ENABLED TRANSACTION CARDS
1y 1m to grant Granted Sep 29, 2026
Patent 12743682
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Patent 12731952
DATA-DRIVEN MODELING OF ERBIUM DOPED FIBER AMPLIFIERS BY NEURAL NETWORKS
2y 7m to grant Granted Sep 08, 2026
Patent 12731464
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1y 3m to grant Granted Sep 08, 2026
Patent 12726003
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Study what changed to get past this examiner. Based on 5 most recent grants.

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Prosecution Projections

2-3
Expected OA Rounds
80%
Grant Probability
88%
With Interview (+7.5%)
2y 3m (~0m remaining)
Median Time to Grant
Moderate
PTA Risk
Based on 1260 resolved cases by this examiner. Grant probability derived from career allowance rate.

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